Banking anywhere made easy

Discover SURCHARGE-FREE access to your money, almost anywhere.

Checking with us is easy with fee-free ATM withdrawals.


1st Cooperative members can use 700 ATMs across South Carolina and 30,000 nationwide—all surcharge-free. Find them at retailers such as Publix, 7-Eleven, Circle K and Costco.

Plus, you can use ATMs at credit unions all across the state.

Prefer to walk in for personal service? You can deposit or withdraw funds at dozens of credit unions in our shared branch network across South Carolina and more than 5,000 nationwide.

Find ATMs near you at external link icon small-gold, download our mobile app, text your address to 91989 or call 1-888-748-3266.

Don’t have a checking account with a debit card? Open one with this convenient online form.

Our ATM network explained

How shared branches work

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Find an ATM or Shared Branch near you.

contact us

Email us about easy access to ATMs and shared branches near you.

get the app

Look for “CO-OP ATM Shared Branch locator” in the Appleexternal link icon small-gold or Googleexternal link icon small-gold app store.


803-796-0234 M-F, 8:30 a.m. – 5 p.m.

These instructions apply only for your first time logging on to our new Online Banking system after September 2.

If you are an existing Online Banking user, here’s how to log on to our new Online Banking system:

  • Your temporary Logon ID (username) is the member number for the Primary Member on the account.
    • You must enter leading zeroes to make it 6 digits.
    • Examples: If your current member number is 1234, you would enter 001234. For the member number 12, you would enter 000012.
  • Your temporary Security Code (password) is the last 4 digits of the Primary Account holder’s Social Security number.
    • Example: 9876

You will be prompted to change your Logon ID and Security Code. Once these are changed, you will use your NEW Logon ID and Security Code the next time you log on to Online Banking.

Click here to proceed to Online Banking logon »